The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Whole Life has some advantages not available on Term policies. It builds cash value, which means you can borrow against Whole Life insurance or even cash it in if at some point you feel you no longer need the insurance. And unlike Term, the premium will never change as long as you live.